"Safe" medium yielders - the 4%ers

[fenders53]

You and I actually invested similarly over the decades. Had some things I wanted to try the past few years and now I have. I invested a little too aggressively until 2018 but got by with it. I dodged the GFC dip with half my port. One time I tried to time the market and got lucky. I get a little scared with retirement so close. Trust me I could still get hurt but I am not going to lose half my net worth now. That would be foolish. I could live happily with a port yield of 4% forever. This was supposed to be easy now. And here we are with 2% long yields that have more capital risk than that. I can beat that with option tricks and incur similar risk. It would be simple with a market pullback. May sound hard to believe but it's true.